345 Clearfork N, Morehead, KY 40351 Property Records

Rowan County property record for 345 Clearfork N, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,960 sqft · built 1989
Lot Size	4.78 acres (208,260 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Feb 2018)
Tax Bill	$1,062 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`076-00 00 004.00`

Property Details

APN / Parcel Number

Primary APN	`076-00 00 004.00`
Alternative APNs	`1530` `1590` `1682`

Interior

Stories	1 Story
Building Area	1,960 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	208,260 sqft (4.78 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	1682
Street Address	345 CLEARFORK N
City	MOREHEAD
State	KY
Zip	40351-9535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 4.781 A+- CLEARFORK NORTH
Legal Subdivision	NO SUBDIVISION
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1044
Census Tract	950100

Owner

Source: Rowan County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	345 CLEARFORK N, MOREHEAD, KY 40351-9535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 26, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Deed Document Number	2018408464
Deed Book / Page	267 / 137
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Aug 24, 2026
Property Address	345 CLEARFORK N, MOREHEAD, KY 40351-9535
Document Number	0002049662
Book / Page	497 / 274
Instrument Date	Aug 17, 2026
Instrument	20262049662
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 CLEARFORK N, MOREHEAD, KY 40351-9535

Mortgage

Document Number	0002049662,
Date	Aug 24, 2026
Book Page	497/274
Instrument	20262049662

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 21, 2041

Interest

Max Rate	-1%

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 26, 2018
Property Address	345 CLEARFORK N, MOREHEAD, KY 40351-9535
Document Number	00D267/137
Book / Page	D267 / 137
Map Reference	CAB1 SL327
Instrument Date	Feb 16, 2018
Instrument	408464
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Tax	$127.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 CLEARFORK N, MOREHEAD, KY 40351-9535
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,062.00 (-1.85%)	$127,000 (-) Land $20,000 Building $107,000	$127,000 (-) Land $20,000 Building $107,000
2023	$1,082.00	$127,000 Land $20,000 Building $107,000	$127,000 Land $20,000 Building $107,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (2001–2017)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Jun 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375
Water Source	Purchased surface water from MOREHEAD UTILITY PLANT BOARD
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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